Whose Razorpay account do BizOS payment links use?

Yours. BizOS only ever creates payment links with your own Razorpay keys, and money settles directly into your account. There is no platform account in the middle, and the gateway cannot be switched on without your own credentials.

Do I need a payment gateway to use BizOS?

No. BizOS records cash, UPI, bank transfer and cheque payments with no gateway at all, and automatic WhatsApp payment reminders still run, carrying the invoice's share page with your UPI QR. A gateway only adds a pay-online button.

How do I know how much cash my staff are holding in BizOS?

The BizOS cash drawer shows, per person, the cash payments they recorded minus the handovers they have made. Handovers are fixed records naming who received the money.

Can I edit or delete a payment I recorded wrongly in BizOS?

BizOS never edits a payment. An Owner, Admin or Manager reverses it instead, which restores the bill's balance and the cash drawer figure; the reversed receipt number is never reused. Online payments are refunded in the gateway, and payments cannot be reversed while Tally sync is connected.

What happens in BizOS if a customer pays more than the invoice?

BizOS settles the invoice and holds the surplus as that customer's credit, shown as Advance held on their page, ready to apply to their next bill. Nothing is lost or forced into a split entry.

Does BizOS give a receipt for each payment?

Yes. BizOS numbers a receipt for every payment, manual or online, from its own receipt series. It prints the amount in figures and words, the bill it was against and the balance left, without restating GST.

Can I stop BizOS payment reminders for one customer's invoice?

Yes. Each invoice in BizOS has its own reminders switch, so you can pause chasing on one bill without changing the cadence for everything else.

Payments & cash drawer

Getting paid is two problems: taking the money, and knowing where it went after it was taken. A technician collects ₹4,000 on site; a customer pays half by UPI and promises the rest on Friday; another pays online at midnight. BizOS records every one against the right bill, gives each a numbered receipt, chases the rest on WhatsApp, and shows how much cash each person on your team is still carrying.

In short

BizOS records payments by cash, UPI, bank transfer, cheque or other, plus online payments through your own Razorpay account, which are recorded automatically.
Every BizOS payment gets a numbered receipt (RCPT-0001 by default) that acknowledges the money without restating GST. See Receipts, advances & credit.
BizOS payment links use your own Razorpay account, never a platform account, so money settles directly to you. The gateway is off by default and cannot be switched on without your keys.
Online payments reconcile themselves in BizOS through a verified webhook; nobody marks the invoice paid by hand.
BizOS sends payment reminders on WhatsApp on a cadence you set (3 days before the due date, on it, and 3 and 7 days after by default), at most once per invoice per day.
Money received before a bill, or more than a bill owes, is held as customer credit in BizOS and applied when you choose, never lost.
Payments are never edited in BizOS. A mistake is reversed, and the reversed payment's receipt number is never reused.
The BizOS cash drawer shows, per team member, the cash they collected minus the cash they handed over.

Recording a payment

From the invoice, or with Collect payment on the Payments page: amount, method, date, an optional reference (UTR, cheque number) and a note. The invoice balance and status update at once. When the balance reaches zero the invoice is Paid and every invoice.paid workflow and journey rule fires.

Partial payments are normal: the invoice sits at Partial with the remaining balance visible, and each instalment has its own receipt.

The Collect payment dialog has two modes: Against a bill, and Advance · on account for money received before the bill exists. If a customer pays more than the bill owes, BizOS settles the bill and holds the rest as their credit. Both are explained in Receipts, advances & credit.

A field technician collects from inside the job, against that job's bill only, by cash or by showing the bill's UPI QR. See BizOS on your phone.

Correcting a payment

Payments are never edited, which is what makes them trustworthy to you, your staff and your accountant. A payment recorded wrongly is reversed from its row menu on the Payments list: the bill gets its balance back, a cash reversal comes off the drawer figure of whoever recorded it, and the receipt number is not reused. Reversing needs a role that can cancel and correct mistakes (Owner, Admin or Manager). An online payment is refunded in your payment gateway instead, and while Tally sync is connected, or once a payment is in your Tally books, it cannot be reversed in BizOS.

Online collection with payment links

Connect your own Razorpay account in Settings → Selling → Payments: key ID, key secret, and a webhook secret from your Razorpay dashboard. The payment gateway is off by default and cannot be switched on without both keys. Payment links and automatic reminders come with the Billing module; see Plans & billing.

Once on:

Send payment link on any issued invoice. The customer pays by UPI, card, net banking or wallet.
Optionally create a link automatically when an invoice is sent, so the Pay now button is always there.
When the customer pays, the webhook, verified against your signing secret, records the payment, numbers its receipt, applies it to the invoice and settles the status. Nobody touches anything.

A business with branches can give a branch its own Razorpay account; that branch's bills then collect into it.

Bring your own account, always

BizOS never routes customer money through a platform account. Collections settle into your Razorpay account, on your terms, with your KYC. If you don’t want a gateway, manual collection works the same way and reminders still run.

Automatic payment reminders

Reminders are built into BizOS and sent on WhatsApp, whether or not you use a payment gateway. Set them under Settings → Customer messages → Automatic messages.

Cadence is a list of days around the due date: -3, 0, +3, +7 out of the box, editable.
At most one reminder per invoice per day, whatever the cadence says.
The daily reminder run goes out in the morning, at about 07:15 IST.
Opt-outs are respected: a customer who has opted out of WhatsApp is not messaged.
Per-invoice pause for the customer who has genuinely promised a date.
The reminder carries a way to pay: the invoice's live payment link; or, if you create links automatically, a new one; otherwise the invoice's share page, which shows your UPI QR.

For anything more elaborate, such as escalating to the owner at 14 days, build it in the workflow engine, which has invoice.overdue, invoice.paid and payment.received triggers.

The cash drawer

Cash is the leak in most local businesses: a technician collects ₹4,000 on site and it reaches the owner two days later, or doesn’t.

The Cash drawer (under Money in the sidebar) makes that visible. For each team member it shows:

cash payments they recorded − handovers they have made = what they are still holding

Recording a handover takes a few taps and names who received the money. Handovers are fixed records, like payments, so the history is a ledger rather than a running total someone can adjust. A cash refund of a rental deposit comes out of the refunder's drawer.

Pair it with the day book

The day book shows the day’s money in and out with a cash subtotal and one tile per UPI account. Read alongside the drawer, that is a full end-of-day reconciliation without a spreadsheet.

Who can do what

Role	Payments	Cash drawer
Owner, Admin	Record, apply, reverse; set up Razorpay and UPI accounts	Everyone's drawer; record a handover for anyone
Manager	Record, apply, reverse	Everyone's drawer; record a handover for anyone
Accountant	View all payments, receipts and held credit; no Collect or Reverse	Everyone's drawer, view only
Office staff	Record payments and apply held money; sees all payments; cannot reverse	Their own drawer
Field technician	Collects against the bill of a job they work on; sees those payments and the ones they recorded	Their own drawer; hands over their own cash

See Roles & permissions.

Common questions

Whose Razorpay account do BizOS payment links use?: Yours. BizOS only ever creates payment links with your own Razorpay keys, and money settles directly into your account. There is no platform account in the middle, and the gateway cannot be switched on without your own credentials.
Do I need a payment gateway to use BizOS?: No. BizOS records cash, UPI, bank transfer and cheque payments with no gateway at all, and automatic WhatsApp payment reminders still run, carrying the invoice's share page with your UPI QR. A gateway only adds a pay-online button.
How do I know how much cash my staff are holding in BizOS?: The BizOS cash drawer shows, per person, the cash payments they recorded minus the handovers they have made. Handovers are fixed records naming who received the money.
Can I edit or delete a payment I recorded wrongly in BizOS?: BizOS never edits a payment. An Owner, Admin or Manager reverses it instead, which restores the bill's balance and the cash drawer figure; the reversed receipt number is never reused. Online payments are refunded in the gateway, and payments cannot be reversed while Tally sync is connected.
What happens in BizOS if a customer pays more than the invoice?: BizOS settles the invoice and holds the surplus as that customer's credit, shown as Advance held on their page, ready to apply to their next bill. Nothing is lost or forced into a split entry.
Does BizOS give a receipt for each payment?: Yes. BizOS numbers a receipt for every payment, manual or online, from its own receipt series. It prints the amount in figures and words, the bill it was against and the balance left, without restating GST.
Can I stop BizOS payment reminders for one customer's invoice?: Yes. Each invoice in BizOS has its own reminders switch, so you can pause chasing on one bill without changing the cadence for everything else.